Axiym is redefining how global payments and liquidity work. The company provides real-time liquidity for licensed Money Service Businesses (MSBs) to empower cross-border payments. Instead of requiring MSBs to maintain local liquidity in countries where they support payouts, Axiym acts as a liquidity hub, enabling payments to be executed and settled on demand. This removes capital drag and unlocks new operational flexibility.
What are the issues with MSBs’ current processes?
Let’s dive a bit deeper into what MSBs are and how they operate. A Money Services Business refers to a company that transmits or converts money. In other words, they are financial intermediaries (like Western Union, currency exchanges, crypto platforms, fintech firms, and check cashers), that can make payments, provide foreign currency exchange, or offer other money-related services. These institutions are regulated by local financial authorities.
To operate internationally, MSBs are required to maintain local liquidity in the countries where they support payouts. This means holding cash in advance in bank accounts across multiple jurisdictions—just in case a customer needs to send a payment there. This process is called pre-funding. Now, you can begin to see how capital-intensive and inefficient this system is. MSBs must keep billions of dollars in idle cash, in anticipation of payments that may or may not occur.
What is Axiym really doing, and how are they using blockchain?
Axiym can be seen as a global liquidity hub for payment providers. It eliminates the need for pre-funding and enables payments to be executed and settled on demand, removing capital drag and providing new levels of flexibility.
With access to instant, deep liquidity, Axiym uses Avalanche blockchain technology to facilitate real-time stablecoin transfers that settle global transactions. Their globally connected liquidity engine integrates directly with traditional financial systems, while leveraging blockchain where it adds the most value: settlement, liquidity efficiency, and infrastructure-level reliability. Axiym CEO Khibar Russel explained that MSBs themselves do not operate onchain. Instead, Axiym connects their existing payment operations to Avalanche behind the scenes, using blockchain to automate, move, and manage capital more efficiently.
In other words, rather than relying on the traditional pre-funding model—where banks must keep reserves of cash sitting idle—Axiym, powered by Avalanche, operates as a real-time financing and liquidity engine that enables on-demand global payments. This is only possible because Avalanche’s blockchain infrastructure allows for instant, worldwide transactions at a fraction of the cost of legacy systems.
Through an intuitive platform, Axiym streamlines the liquidity process, offering effortless navigation via a user-friendly interface. The platform is already integrated with MSBs and payment companies that collectively move over $25 billion annually. These partners operate in more than 200 countries and across 60+ currencies, providing a powerful distribution layer for Axiym’s model. Overall, their goal is to provide a familiar fintech experience to MSBs, with the magic happening on the backend side.
Image retrieved from axiym’s website.
According to Aciym’s CEO, the company’s clients are primarily licensed payment companies based in major financial centers like the UAE, the United Kingdom and Singapore. However, these companies’ users often send funds to major remittance hubs across Asia, Africa and Latin America.
What’s next?
Looking ahead, Axiym is expanding its vision with Trensi, a crypto-native counterpart designed to open its liquidity infrastructure to a broader range of users, such as fintech developers, FX platforms, and onchain-native applications. Trensi will make real-time liquidity programmable and composable, enabling developers to access API-driven FX and treasury tools, build custom stablecoin payment flows, deploy yield strategies via smart contracts, and automate financial operations using programmable money. This marks the next evolution of Axiym’s strategy: merging traditional and decentralized finance into a unified, intelligent liquidity network built on Avalanche. With over $132 million in volume already flowing through Avalanche, Axiym is quietly proving that blockchain can improve global financial systems by eliminating inefficiencies in capital, speed, and trust, without adding friction for users.